``As many as 36,000 borrowers may get their interest rates cut, according to the filing. Wells Fargo, the biggest U.S. home lender, had estimated in August that 40,000 might be covered.

The program is part of a $25 billion mortgage settlement in February by five banks with 49 states and the federal government. The accord, the largest federal-state civil settlement in U.S. history, ended a 16-month probe of abusive foreclosure practices.''